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Woodsboro Bank (WOBK) Fair Value & Analysis

Financial Services · US · Market cap $32.5M

Price$82.00
Fair Value$144.29
Upside+76.0%
Quality95/100
Evidence: High Range $108.22 – $180.36

Fair value as of: Jun 26, 2026

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Analysis

Woodsboro Bank (WOBK) currently trades at $82.00, while our model-based Fair Value estimate is $144.29 — implying the stock looks roughly 76.0% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Woodsboro Bank provides financial services to individuals and corporate customers in Frederick County, Maryland. The company offers checking, savings, money market, education savings, individual retirement, and interest on lawyers trust accounts; time deposits; and certificates of deposit. It also provides commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, and commercial and consumer loans; home mortgage, lot, VA, and Federal Housing Administration loans; adjustable-rate, fixed-rate, investment, and jumbo mortgages; home equity, overdraft protection, and commercial lines of credit; personal and auto loans; practice buy-in financing; and term, investment, equipment, and partner buy-in loans. In addition, the company offers credit and merchant cards; online and mobile banking; estate services; investment services, including financial planning and wealth management; ICS and CDARS; merchant service…

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Frequently asked questions

Is Woodsboro Bank (WOBK) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $144.29 versus a price of $82.00 — about +76% (undervalued). Model-based estimate, not financial advice.
What is the fair value of WOBK?
Our 21-model fair value for Woodsboro Bank is $144.29 (as of Jun 26, 2026), built from audited fundamentals. The current price is $82.00.
What is the quality score of WOBK?
Woodsboro Bank has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.